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Thread: worried about using credit/debit cards in orlando

  1. #1
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    I've been reading a lot more posts about people using cards in orlando and them being used fraudulently almost immediately afterwards

    It's bad enough if that's done to a credit card but a debit card would be a disaster!

    I don't think I want to take those prepay cards for the same reasons, but then cash seems bad too :(

    is the solution travellers checks? I thought those were being phased out

    what do you all do ?

    thx



  2. #2
    Moderator Beccaberry's Avatar
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    I don't really have a good answer, but I do believe your fears are valid. I was listening to a report on NPR yesterday morning about how America is woefully behind the times when it comes to credit card/debit card security. I believe they were saying we are among only TWO countries who haven't moved from magstripe technology to chip and pin technology.

    Like I said though, I'm not quite sure WHAT the answer is for travelers...




  3. #3
    Administrator Wendy's Avatar
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    We would never use a debit card abroad now matter where it was and we actually leave our debit cards at home in the safe.

    What we have taken in the past is cash, travellers cheques and used the credit card. Having said that, we won't pay anywhere where the card is taken away from us, like restaurants for example, we always pay cash or use traveller's cheques. Another place that Chris prefers to pay cash rather than by card is at gas stations.

    When we go again we have decided to use the credit card more and take less travellers cheques, this is because the exchange rate on the credit card is usually better than what we can get for travellers cheques.

    I know your card can be cloned anywhere, but we only use it in places we feel are safe like stores in the malls, Publix or Target, we don't use it in Walmart because Chris isn't sure about the store

    I think if you are careful and don't let the card out of your sight, you can do no more.









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  4. #4
    Moderator Beccaberry's Avatar
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    Quote Originally Posted by Wendy, post: 329731, member: 46
    I know your card can be cloned anywhere, but we only use it in places we feel are safe like stores in the malls, Publix or Target, we don't use it in Walmart because Chris isn't sure about the store
    Even the ones you THINK you an trust you can't. My life has been turned topsy flippin turvy the last few weeks because of the Target debacle here. Every single one of my debit cards and one of my credit cards had to be replaced, because they'd all been used at Target during the "suspect" time and I've spent days combing through our accounts to see which auto pays have to now be changed to avoid being declined. Not to mention that I now obsessively check my accounts for fraudulent activity. Huge pain.




  5. #5
    Administrator keith's Avatar
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    Yep the Target thing shows just how unsafe even the big stores are:-
    http://www.bbc.co.uk/news/technology-25447077
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  6. #6
    Moderator Beccaberry's Avatar
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    You can also read the NPR story I was referencing here: http://www.npr.org/blogs/alltechcons...gnetic-stripes




  7. #7
    Administrator keith's Avatar
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    I should say, I've done some digging about this last year and it's VERY VERY scary :/

    Firstly, they've now made new sofware in russia for the credit card machines and they're offering them to restaurant staff, store staff etc. They just attach the card machine to their laptops, the machines are then reprogrammed to store every card+pin number and at the end of the week the staff member attaches it to a laptop, the numbers are uploaded and he/she gets $s for each card. So even if the machine is right by you at the table, it's now no guarantee at all that your number isn't being captured.

    This is very similar to what happened to target. Basically their machines are thought to have had the software updated remotely on them to send card numbers back to the hackers.

    The software to do it is now circulating on the internet and we can expect more and more use of it.

    Right now, I honestly don't think credit/debit cards are in any way safe. It's complete luck as to whether you're scammed or not and there's no way of knowing.

    Sure, the old stuff will help A LITTLE, dont let card out of sight, dont use in gas stations but as above, if the card machine in target, walmart or any store you trust has been hacked, you won't know it anyway.

    So, intellectually the answer is not to use any cards at all :/ practically these days, that's next to impossible :/ AND even if you dont USE the cards, if one is attached to your account at home in a safe, they can still generate numbers that match that card and use it.

    I think the banks, although losing money on this fraud stuff, just don't know what to do to make it better! At the moment I suspect they're thinking 5Bn fraud v 100Bn for a new as yet unthought of system :/
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  8. #8
    Administrator keith's Avatar
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    Quote Originally Posted by Beccaberry, post: 329736, member: 61
    You can also read the NPR story I was referencing here: http://www.npr.org/blogs/alltechcons...gnetic-stripes
    Thing is, it's already been hacked. We have chip/pin here and it's not stopped the fraud. Perhaps the cards still have mag strips so we can use them ANYWHERE though and that's how the data is lost. I dont know for sure, but all I know is chip and pin over here hasn't stopped the problem
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  9. #9
    Moderator Beccaberry's Avatar
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    Quote Originally Posted by Keith, post: 329739, member: 3
    Thing is, it's already been hacked. We have chip/pin here and it's not stopped the fraud. Perhaps the cards still have mag strips so we can use them ANYWHERE though and that's how the data is lost. I dont know for sure, but all I know is chip and pin over here hasn't stopped the problem
    Scary business all 'round then. Makes me want to go back to cash only transactions and hiding my money under my mattress!




  10. #10
    Senior Member Tony G's Avatar
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    Another article on NPR raises a good point. It suggests it's not technology that will stop fraud, but consumer protection.

    http://www.npr.org/blogs/alltechcons...-security-lags

    I see the point, but I fail to see how that will prevent a fraudster from committing fraud. If anything, knowing the bank will pay for it rather than the individual might even allay some people's consciences and cause them to commit fraud.

    I like the idea of putting pictures on cards (although useless if the cards are being cloned). If the problem really is that big, I'd consider taking this a step further and have the buyer photographed at each transaction. I don't know how I would get around refusal to participate on religious grounds, though (eg. wearers of the hijab etc).

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